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    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
    • Farage rails and whines about not being allowed on the BBC ... ... but pulls out at the last minute of a BBC Panorama interview special. It was denied it was anything to do with his candidates being outed as misogynists and Putin apologists, or that farage was afraid Nick Robinson might throw some difficult questions at him ... despite farages recent practice at quickly cowering in fear.   It was claimed 'it wasn't in Nigels diary'     Nigel Farage pulls out of BBC interview at last minute amid Hitler row WWW.INDEPENDENT.CO.UK ‘Panorama’ special postponed as Reform UK party faces row over candidate who claimed UK would have been ‘better off’ if it had...   Waaahhhh
    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
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Duffers mum v Sainsburys Bank


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The second default notice gives me 5 days to pay, the first one (from last year) gives me 14, I must admit I'm getting a bit anxious about this now, which no doubt is what they want, I would just like them to be reasonable and accept a fair F&F settlement. :(

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Perhaps, you should take the time to read some of the threads of people who have been in similar circumstances, DM. It may ease your worries a little.

 

Believe me, you hold all the cards in this situation. If what you say is true HBOS have absolutely no hope enforcing in court.

 

The fact that they are so unreasonable in refusing your F&F settlement offer is ultimately their loss!

Edited by rosierose
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Rosie - thanks for your replies and i know what you say makes sense, i'm just worried that i might have to go court!

 

BB - I wish I had your confidence! I'm sure the documents don't comply, but I can't be 100% sure, why would they threaten court action if they didn't think they had all the correct documentation in place?

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well the quick answer to that DM is they will not provide the courts any details and they will hope to get a deafult judgement against you as they will hope u dont reply to the paperwork.

 

U will find loads of companys dont comply with the rules and have a hope for deafult judgement policy.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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yes and there will be easy signs it is a court document but i will go into these later.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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anyway in the mean time have u sent a SAR request?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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No, not yet, will try and do that soon. Have been very busy enjoying a well earnt holiday and, because these useless companies refuse to accept what I've offered as F&F, I've also bought a new car, without the need for finance (thanks to DH's inheritence) was a lovely feeling being able to pay with my debit card, we've also paid a huge chunk off our mortgage and cleared a big loan we had, unfortunately most of the money has gone now but we think we've put it to good use, although would loved to have just kept it for us to spend frivoursly! Still have a few grand put aside for when the idiot companies decide to accept what i've offered, but thats all I've got so they won't get any higher offers! :)

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  • 4 weeks later...

I have today received another letter from Blair Oliver & Scott thanking me for my recent comunication but advising it is not their policy to accept a reduced offer in settlement of an acount unless the circumstances are of an extreme nature or the offer a substantial one, if any amount is paid lower than the full amont they will accept the amount as part payment to reduce the balance but I would remain liable for any remaining balance.

 

apart from the fact I haven't offere BOS anything, my offer was to Sainsburys bank, how do I respond? Should I state that not providing the correct documentation requested in a CCA is by my reckonining an extreme nature of circumstance as a court would wish to see the correct paperwork, or should I just respond and say, your loss, this money will now be used to up my offers to my other creditors?

 

Any advice would be much appreciated, i am going to S.A.R - (Subject Access Request) Sainsburys this weekend, have been so busy sorting out my late mother in law's estate I haven't had much time to deal with these idiots.

 

Another thing - am I correct in thinking that when they issue a default notice it should be accompanied by an up-to-date statement? I have not received any statements from Sainsbury's since March 2008. I have just checked that statement and the current balance outstanding and they have now, at last, stopped adding interest and charges (my balance increased by over £1,000 since my reduced payments due to their charges etc).

 

Am off to do my SAR to them now. :)

Edited by Duffers Mum
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Help! is this the correct letter to send them?

 

Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

I want to make sure I send the correct one! Thanks :)

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Am I right in thinking that if I have sent a letter headed Official Complaint to Blair Oliver & Scott they are obliged to respond to that within a certain timescale. I sent a letter to them in early May headed official complaint, enclosing a copy of a letter I sent them in April which I also asked to be treated as an official complaint, and the only thing I have received from them is a letter saying they do not accept my offer (which I never actually made to them anyway). Who should I report them to?

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8 weeks BB i think this is more than 8 weeks.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 3 weeks later...

Received an email reply from the FOS advising me I need to send in the proper form before they can act, however they have given me a reference number so I will have a look into what I need to do further later today. As Blair Oliver Scott have not sent me a copy of their complaints procedure or even acknowledge my complaint which was sent in April they are well outside the 8 weeks in which they should have responded.

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Form downloaded and filled out, and accompanying documentation all copied, am posting off to FOS tomorrow, although don't expect them to actually do anything, however they should do just for the fact that BOS haven't sent me a copy of their complaints procedure and I asked for it in April! Do firms get charges if the FOS have to investigate?

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yes its £400.00 per complaint i think.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Oh so ur deciding to get your moneys worth then lol.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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